Capital.com vs Totality Wealth
Capital.com and Totality Wealth look like trading platforms, but they serve completely different purposes. Capital.com is a CFD broker — you never own the underlying asset, you're speculating on price movements with leverage. Totality Wealth (formerly Saxo Capital Markets) is a genuine share broker where you buy and hold real ASX and international stocks under your own HIN. That's the fundamental divide.
- ›You want to trade CFDs on indices, currencies, commodities and global markets with leverage, not buy actual shares
- ›You're comfortable with a custodial model where you don't hold a HIN or own the underlying asset
- ›You want zero brokerage and zero platform fees — costs are embedded in the spread and FX conversion
- ›You need 24/7 customer support and a demo account to practice strategies before going live
- ›You want to deposit via PayID, card, Apple Pay or PayPal with a low $20 minimum
- ›You want to buy and hold real ASX shares and ETFs under your own individual HIN with CHESS sponsorship
- ›You trade US stocks and want a USD sub-account to avoid paying FX conversion on every trade
- ›You need access to 18 global markets including Canada, Singapore and Switzerland, plus bonds and options
- ›You want dividend reinvestment (DRP) and Sharesight integration for tax reporting
- ›You're running a trust, SMSF, joint or company account — Totality supports all of them
Where they differ
| Fact | Capital.com | Totality Wealth |
|---|---|---|
| What you actually trade | CFDs only — you never own the underlying asset | Real shares, ETFs, bonds and options — you own the asset |
| ASX brokerage | $0 (cost in spread) | $3 or 0.08% (whichever is higher) |
| CHESS / HIN | Custodial — no HIN | Mixed — individual HIN available |
| FX spread (AUD/USD) | 0.7% | 0.0045% |
| USD sub-account | No | Yes |
Choose Capital.com for leveraged CFD speculation; choose Totality Wealth if you actually want to own shares under your HIN.
Common questions
How do Capital.com and Totality Wealth compare on what you actually trade?
Capital.com: CFDs only — you never own the underlying asset. Totality Wealth: Real shares, ETFs, bonds and options — you own the asset. This is the single most important difference between the two platforms.
How do Capital.com and Totality Wealth compare on asx brokerage?
Capital.com: $0 (cost in spread). Totality Wealth: $3 or 0.08% (whichever is higher). Capital.com is cheaper on fees but you're not buying real ASX shares.
How do Capital.com and Totality Wealth compare on chess / hin?
Capital.com: Custodial — no HIN. Totality Wealth: Mixed — individual HIN available. Totality lets you hold ASX shares under your own HIN; Capital.com does not.
When is Capital.com the better choice over Totality Wealth?
Pick Capital.com if you want to trade CFDs on indices, currencies, commodities and global markets with leverage, not buy actual shares; you're comfortable with a custodial model where you don't hold a HIN or own the underlying asset; you want zero brokerage and zero platform fees — costs are embedded in the spread and FX conversion; or you need 24/7 customer support and a demo account to practice strategies before going live.
When is Totality Wealth the better choice over Capital.com?
Pick Totality Wealth if you want to buy and hold real ASX shares and ETFs under your own individual HIN with CHESS sponsorship; you trade US stocks and want a USD sub-account to avoid paying FX conversion on every trade; you need access to 18 global markets including Canada, Singapore and Switzerland, plus bonds and options; or you want dividend reinvestment (DRP) and Sharesight integration for tax reporting.
Capital.com or Totality Wealth — what's the verdict?
Choose Capital.com for leveraged CFD speculation; choose Totality Wealth if you actually want to own shares under your HIN.
All data points side-by-side
Every verified fact for both platforms. Differences are highlighted.
| Field | Capital.com | Totality Wealth |
|---|---|---|
| account structure | ||
| CHESS sponsorship model | — | mixed |
| Individual HIN | — | Yes |
| Individual account | Yes | Yes |
| Joint account | No | Yes |
| Company account | Yes | Yes |
| Trust account | No | Yes |
| SMSF account | No | Yes |
| Kids / minor account | No | No |
| asset coverage | ||
| ASX shares supported | No | Yes |
| ASX ETFs supported | No | Yes |
| US shares supported | No | Yes |
| US ETFs supported | No | Yes |
| Other markets supported | US, UK, EU, HK, JP, DE, FR, AU | US, GB, HK, JP, DE, FR, CA, SG, CH, NL, IT, ES, BE, AT, DK, SE, NO, FI |
| Fractional shares (ASX) | No | No |
| Fractional shares (US) | No | No |
| Options trading | No | Yes |
| CFDs supported | Yes | Yes |
| Managed funds | No | No |
| Bonds supported | No | Yes |
| IPO access | No | No |
| costs hidden | ||
| FX spread (AUD/USD) | 70% | 0.45% |
| FX spread (other currencies) | 70% | 0.45% |
| Holds USD account | No | Yes |
| FX currency switch trick | No | No |
| Market data fees | $0/month | $0/month |
| Conditional order fees | $0 | $0 |
| Corporate action fees | Not applicable — Capital.com offers CFDs only, not real shares. There are no corporate-action fees because clients do not hold underlying securities; dividend adjustments on share CFDs are passed through automatically (credited on long positions, debited on short positions) without an explicit fee. | Custodian processes corporate actions; proxy voting subscription EUR 30/year + EUR 5 per vote; new instrument requests USD 200 for Platinum / free for VIP legacy tiers; reporting fee USD 50 for Classic email reports. |
| costs visible | ||
| ASX brokerage minimum | — | $3 |
| ASX brokerage percentage | — | 0.08% |
| ASX brokerage threshold | — | $3,750 |
| US brokerage minimum | — | US$1 |
| US brokerage percentage | — | 0.08% |
| Monthly platform fee | $0/month | $0/month |
| Annual platform fee | $0/year | $0/year |
| Inactivity fee | $0 | $0 |
| Withdrawal fee (AUD) | $0 | $0 |
| Off-market transfer fee | — | $50 |
| identity and trust | ||
| Legal entity name | Capital Com Australia Pty Ltd | Totality Wealth Limited (formerly Saxo Capital Markets (Australia) Pty Ltd) |
| AFSL number | 513,393 | 280,372 |
| Year founded | 2,021 | 2,012 |
| Parent / ownership | Capital.com Group (founded by Viktor Prokopenya, backed by VP Capital); ultimate AU operator is Capital Com Australia Pty Ltd, part of the Cyprus-headquartered Capital.com group with multiple regulated entities globally | DMA (Johannesburg, South Africa) 80.1% / Saxo Bank A/S (Denmark) 19.9% |
| Country of incorporation | AU | AU |
| Public company status | private | private |
| money movement | ||
| Minimum initial deposit | $20 | $0 |
| Minimum subsequent purchase | $20 | $0 |
| Deposit methods | PayID, bank transfer, debit card, credit card, Apple Pay, PayPal | bank_transfer, BPAY, credit_card, debit_card, PayPal, Wise |
| Settlement period | N/A (CFDs are not settled — positions are open contracts marked-to-market continuously) | T+2 ASX, T+1 US |
| Withdrawal time | Within 1 business day for PayID and bank transfer; 3-5 business days for card/Apple Pay/PayPal. 91% of withdrawals processed within 5 minutes. | 1-3 business days |
| platform ux | ||
| iOS app | Yes | Yes |
| Android app | Yes | Yes |
| Desktop platform | Yes | Yes |
| Demo account | Yes | Yes |
| Free real-time market data | Yes | No |
| Free research reports | Yes | Yes |
| 2FA support | authenticator | app |
| Customer support channels | phone, email, live chat, WhatsApp | phone, email, live_chat |
| Support hours (AU time) | 24/7 English live chat and email; Melbourne-based phone support during AEST business hours | Mon-Fri 08:30-17:30 Sydney time |
| Education content | video + courses | extensive |
| tax and reporting | ||
| Australian tax statement | No | No |
| Distribution component breakdown | No | No |
| CGT calculator / report | No | No |
| Sharesight / Navexa integration | No | Yes |
| trading mechanics | ||
| Market orders | Yes | Yes |
| Limit orders | Yes | Yes |
| Stop loss orders | Yes | Yes |
| Conditional orders | Yes | Yes |
| Auto-invest / DCA | No | No |
| Auto-invest sophistication | none | none |
| DRP (dividend reinvestment) | No | Yes |
| After-hours / overnight trading | Yes | No |